2016 Jeep Patriot Insurance Rates

High-priced car insurance can draw down your savings and possibly require postponing other expenditures. Shopping your coverage around is a fast and free way to lower your bills every month.

Many auto insurance companies vie for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the best rates possible.

It’s a great practice to check car insurance prices yearly since insurance prices go up and down regularly. Just because you found the lowest rates for Patriot insurance at your last renewal the chances are good that you can find a lower premium rate today. Block out anything you think you know about car insurance because we’re going to show you one of the easiest ways to reduce your cost while increasing coverage.

How to lower your insurance premiums

Part of the insurance buying process is learning the rating factors that play a part in calculating your insurance rates. If you know what determines base rates, this helps enable you to make changes that could help you find much lower annual insurance costs.

  • Adjust coverage deductibles and save – Your deductibles are the amount of money you are required to spend out-of-pocket if you file a covered claim. Insurance for physical damage to your car, also called comprehensive and collision insurance, covers damage that occurs to your car. Examples of covered claims could be rearending another vehicle, animal collisions, or theft of your vehicle. The more damage repair cost you have to pay, the less your insurance will be for Patriot insurance.
  • File policy claims and pay more – If you file claims often, you can expect much higher rates or policy non-renewal. Auto insurance companies give better rates to insureds who file claims infrequently. Your car insurance is intended for claims that you cannot pay yourself.
  • Where you reside can impact costs – Being located in small towns and rural areas is a positive aspect when trying to find low car insurance rates. Fewer drivers corresponds to lower accident rates and lower theft and vandalism rates. People who live in big cities have more aggressive driving styles and much longer commute distances. The longer drive time translates into higher accident risk.
  • Cheaper premiums with safer cars – Safer cars tend to be cheaper to insure. Vehicles built for safety reduce the chance of injuries and lower rates of occupant injuries means less money paid by your insurance company and lower rates for you.
  • Prices also based on gender – Statistics demonstrate women tend to be less risk to insure than men. It does not mean women are better drivers. Both sexes cause fender benders in similar percentages, but men cause more damage. Men also tend to receive more costly citations such as DWI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore have the most expensive insurance rates.
  • Cheaper rates by consolidating – The majority of companies allow better rates to people that purchase more than one policy, otherwise known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even if you qualify for this discount already, it’s always a smart idea to compare rates to ensure the best deal. Consumers may save more without the discount by buying insurance from more than one company.
  • Marriage discount – Having a spouse may save some money when buying insurance. Having a spouse demonstrates that you tend to be more mature and responsible and it’s statistically proven that married drivers tend to file fewer claims.
  • Experienced drivers are lower risk – Teenage drivers are known to be easily distracted when at the wheel of a vehicle so insurance rates are higher. Having to add a youthful driver to your policy can cause a big jump in price. Older people are more responsible, file fewer claims and receive fewer citations.

First Step: Get free car insurance quotes

Getting a cheaper price on 2016 Jeep Patriot insurance is actually quite simple. You just have to take the time to compare free insurance coverage quotes provided by online insurance companies. Shoppers can get rates in several different ways.

  1. Hands down the most simple method consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This easy form prevents you from having to do separate quotation requests for every prospective company. Taking the time to complete one form will get you rate comparisons from car insurance companies with the best prices.
  2. A different way to find more affordable insurance requires visiting each individual company website and repeat the quote process again and again. For sake of this example, we’ll pretend you want to compare rates from State Farm, Allstate and Travelers. In order to get each rate, you would have to take the time to go to each site and enter your information, and that explains why we recommend the first method.

    For a list of companies in your area, click here.

It’s up to you how you get prices quotes, just make sure you are using the same deductibles and coverage limits for each quote you get. If the quotes have different coverage information then you won’t be able to determine the lowest rate for your Jeep Patriot.

Find hidden discounts on insurance

Some providers don’t necessarily list every available discount very clearly, so below is a list a few of the more common and the more hidden credits available to bring down your rates. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Theft Deterent Discount – Vehicles that have factory anti-theft systems help deter theft and can earn a small discount on your policy.
  • Safety Course Discount – Taking a course that instructs on driving safety could possibly earn you a 5% discount and easily pay for the cost of the class.
  • Early Signing – A few companies give discounts for buying a policy prior to your current policy expiration. Ten percent is about the average savings.
  • Senior Citizens – Drivers over the age of 55 may receive a discount up to 10% for Patriot insurance.
  • Online Discount – A few larger online companies will give a small break for completing your application on your computer.
  • No Charge for an Accident – but a handful of insurance companies allow you one accident before your rates go up so long as you haven’t had any claims prior to being involved in the accident.
  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course as it will make them better drivers and lower rates.

It’s important to understand that some of the credits will not apply to your bottom line cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like it’s possible to get free car insurance, companies don’t profit that way.

A few of the larger companies and a summarized list of policyholder discounts can be read below.

  • State Farm has savings for multiple autos, good driver, student away at school, anti-theft, defensive driving training, good student, and Drive Safe & Save.
  • Esurance may have discounts that include emergency road assistance, DriveSense, homeowner, safety device, and anti-lock brakes.
  • Progressive includes discounts for good student, homeowner, online signing, online quote discount, and multi-vehicle.
  • Liberty Mutual has discounts for good student, newly retired, safety features, preferred payment discount, exclusive group savings, new graduate, and newly married.
  • Auto-Owners Insurance policyholders can earn discounts including safe vehicle, anti-lock brakes, student away at school, group or association, paperless, and anti-theft.
  • GEICO offers premium reductions for daytime running lights, emergency military deployment, defensive driver, federal employee, anti-lock brakes, military active duty, and multi-policy.

Check with every company how you can save money. Some of the discounts discussed earlier may not apply to policies in your area. To locate providers with the best discounts, click here to view.

Tailor your auto insurance coverage to you

When buying proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions might point out whether you will benefit from professional help.

  • Do I need replacement cost coverage on my 2016 Jeep Patriot?
  • Is my cargo covered for damage or theft?
  • How does medical payments coverage work?
  • Am I covered if I break a side mirror?
  • Does coverage extend to a rental car in a foreign country?
  • Should I drop comprehensive coverage on older vehicles?

If you’re not sure about those questions, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It is quick, free and you can get the answers you need.

Car insurance coverage breakdown

Learning about specific coverages of your car insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. These are the usual coverages found on the average car insurance policy.

Auto collision coverage

This coverage pays for damage to your Patriot from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like colliding with a tree, sustaining damage from a pot hole and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your Jeep Patriot.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Liability car insurance

This will cover damage or injury you incur to people or other property. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like medical expenses, pain and suffering, repair costs for stationary objects, medical services and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Comprehensive coverage

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a broken windshield, a tree branch falling on your vehicle, hitting a bird, damage from getting keyed and damage from flooding. The highest amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for ambulance fees, funeral costs, X-ray expenses, hospital visits and pain medications. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

A little work can save a LOT of money

Throughout this article, we presented a lot of ways to shop for 2016 Jeep Patriot insurance online. It’s most important to understand that the more times you quote, the higher the chance of saving money. You may be surprised to find that the lowest rates come from a small local company. Some small companies may cover specific market segments cheaper than their larger competitors like Allstate, GEICO and Progressive.

Budget-friendly insurance coverage can be purchased from both online companies and from local insurance agents, so you should compare both so you have a total pricing picture. Some insurance providers may not have online quoting and usually these smaller providers only sell through local independent agencies.

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